Frequently asked questions

When does cover begin?

Full benefits begin on the travel dates you have selected. However, if you have chosen cancellation cover to be included, this cover begins as soon as you buy your policy. For this reason, it’s important to buy your travel insurance as early as possible – or as soon as you have your trip booked. You can book a single trip policy up to 12 months in advance of your holiday.

What is the age limit on single trip travel insurance policies?

We’re pleased to say our AllClear Gold and Gold Plus policies have no age limits. During your quote, you’ll only be shown quotes which can cover your age category.

What’s the maximum trip length on a single trip travel insurance policy?

Allowed trip lengths vary between policies, however, the maximum you can get for a single trip quote online is for up to 92 days. Find out more about maximum trip durations here: How long you can travel for

Do you need single trip travel insurance if you have a European Health Insurance Card (EHIC)?

If you have an EHIC (which used to be called the E111), you get medical treatment at the same price as the residents within EU countries you’re visiting. This often means either free or reduced costs. However, the EHIC does not cover you for all eventualities, and so you also need comprehensive travel insurance. For example, if you’re taken to a private clinic in a private ambulance, you won’t be covered. The EHIC also doesn’t cover the cost of repatriation if you need to be flown back to the UK following an accident on holiday.

When might you want to choose an annual multi-trip policy?

If you’re travelling to the same region often, you will generally pay lower premiums for an annual policy compared to buying multiple single trip policies. Usually, an annual multi-trip policy starts to become more cost effective when you are travelling three or more times in a 12 month period. However, this rule can be affected by how long you are travelling for. For example, if you are travelling for 45 days each time for two trips, an annual multi-trip policy could still be cheaper.

Having an annual multi-trip policy gives your holiday plans greater flexibility. Rather than needing to tell us exactly where you’ll be, you only need to select your preferred region of cover.